The material and facilities contained in this Web site are intended for New Zealanders. We hope the material and facilities will help you to make better-informed decisions about how best to provide for your needs. Please note, however, that the material in the site does not take into account any individual's particular circumstances, financial or otherwise. Nor is it exhaustive.
Any material collected on this site will only be used to support the processing of the insurance products described and is confidential to Costello Financial Services and FidelityLife.
Seeking professional advice / Legal disclaimer
Before making any decisions, you should think about it carefully, and consider whether you should consult a qualified financial adviser. Every effort has been made to provide you with information and facilities that are reliable and accurate as at the time of publishing. However, neither Costello Financial Services nor any of its associates or employees make any express or implied representations or warranties regarding the material and facilities contained or referred to in this site, nor accept any liability for any loss or damage whatsoever which may arise in any way out of the use of any of the material or facilities; for errors in or omissions from the material or facilities; or for the accuracy of any information obtained through use or this site.
Copyright © 2009 by Costello Financial Services. All rights reserved.
The material on this Web site is protected by copyright. Permission is granted to view the material on this Web site and to save the material only for your (or you and your family's) future personal reference. You should not further copy, modify, use or distribute the material in any way unless you obtain written permission of Costello Financial Services.
We at GoldenLife, (Costello Financial Services), take your privacy very seriously, particularly in relation to our service to you. Any personal information you give us is kept confidential and held securely with care. Please read the following to understand how your personal information is collected, stored and used by us.
If you need more information about us and our service please email: info@GoldenLife.co.nz.
What we do
Costello Financial Services provides the facilities through our websites to:
Through our websites you may enter information about you which enables us to provide these services to you. If you apply for insurance online through our website the information we collect will be used to assess your applicability for the insurance cover selected. Once you have provided this information to us on our website this is then passed to the appropriate insurance company. They will then complete any necessary administration requirements they require to enable them to accept your application for insurance and issue your policy.
This may include the insurance companies, ourselves or their or our agents or contractors:
Costello Financial Services (GoldenLife), is not an insurance company. We market insurance products on behalf of insurance companies.
How we gather information
We gather information by your disclosing your personal information on this website using the standard on-line forms. We, or our contractors and agents, may also telephone or write to you to obtain further information.
What we will not do
We do not link IP addresses to anything personally identifiable.
How we store information
When you voluntarily use the services on our website at www.GoldenLife.co.nz, we may collect personal information from you (as outlined above). At this time, we do not store any information entered by you. These include technical and procedural steps to protect your information from misuse, unauthorized access or disclosure, loss, alteration or destruction. Credit card information is transmitted using secure socket layer (SSL) encription. All your information is stored by us in accordance with the provisions of the Privacy Act 1993.
How we use information
Your personal information is used for two purposes. Firstly to enable Costello Financial Services to keep you up to date with relevant information and offers about products. Secondly. the information provided by you to us on online application forms is used by the Insurance Companies who are providing the insurance plans to assess the risk of providing insurance to you, to administer any plan you take out with them and when you make a claim. Your personal information will not be shared with any other third party for any unrelated purpose without your prior consent.
How we share information
We do not sell or rent your information to anyone. Your personal information will only be provided to the insurance company you have applied for insurance with through the www.costello.co.nz website for the purposes stated above. It will not be released to any other third party for any unrelated purpose without your express permission except in special circumstances such as when the law requires it or under the circumstances described in this privacy statement. The insurance companies providing the insurance to you may contact you directly to obtain further health information about you to assist in their risk assessment. This information is shared solely between you and the Insurance Company and their agents and contractors (if any), Costello Financial Services does not have access to it.
The information practices of these insurance companies, and websites linked to our service, are not covered by this privacy statement. Please note that the privacy policies of partner sites may differ from those of this service. You should make sure you have read and understood their privacy policies on their websites before you provide any personal information. We are not responsible for the privacy statements or other content on websites linked from our site.
We may use third parties for the purposes of assisting us to provide this service to you. For example, this may include technical support, advice, further information collection, data verification and supplementation, data storage and transmission, credit reference and debt collection, and web site hosting. For example, we may check the address given upon registration is spelled correctly by verifying the information provided by you against information available for that purpose from other sources. When third parties are employed for these purposes, we require them to keep the information secure and confidential. They must use the information only in a way that is consistent with this privacy statement and our terms and conditions.
In the event that this business is sold or integrated with another business your details may be disclosed to our advisers and any prospective purchaser's advisers and will be passed to the new owners of the business.
Your changing, correcting and updating information
You can opt-in to receive information and services on our web site www.GoldenLife.co.nz.
You can request to view, amend or delete your personal information or unsubscribe to any of our services at any time by emailing us at info@GoldenLife.co.nz or calling us on 09 4808308. However, once you have an insurance plan we cannot delete your information. It will be needed for the insurance you have purchased.
User choices for the use of information
You may discontinue participation in our service at any time by submitting a termination request through email at info@GoldenLife.co.nz. Any residual information will be deleted within 90 days of cancellation.
By disclosing your personal information on our service site, you consent to the collection, storage and processing of your personal information by our service in the manner set out in this privacy statement.
Changing this privacy statement
Any questions or concerns regarding our information practices should be directed by email to info@GoldenLife.co.nz.
Copyright © 2013 by Costello Financial Services. All rights reserved.
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